BlastPoint's Credit Union Scorecard

SAN FRANCISCO

Charter #24542 · CA

Mid-Market 1B-3B

300 CUs in 1B-3B nationally 37 in CA

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SAN FRANCISCO has 8 strengths but faces 2 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 4.8% in tier
+ Wallet Share Momentum: Top 4.8% in tier
+ Emerging Performer: Top 23.5% in tier
+ Organic Growth Engine: Top 57.8% in tier
+ Organic Growth Leader: Top 57.8% in tier
+ ROA 0.32% above tier average
+ Loan Growth Rate: Top 1.7% in tier
+ Total Delinquency Rate (60+ days): Top 2.7% in tier

Key Concerns

Areas that may need attention

- First Mortgage Concentration (%): Bottom 8.0% in tier
- Total Members: Bottom 9.3% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 37 that size in California.
Shares and deposits +7.4% year over year ($1.20B in shares and deposits).
Membership: 52,101 members, +1.4% vs a year ago.
Delinquency rate 0.15%.
Return on assets 1.14%.
Efficiency ratio 70.26% vs a 73.02% peer average.
Loan-to-share ratio 69.14% vs a 84.71% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	52,101 +1.4% YoY+0.4% QoQ	-44.8K	96,861 -1.9% YoY	67,400 +7.3% YoY	34,678 +6.6% YoY	Bottom 9.0% in tier
Assets	$1.6B +12.8% YoY+2.9% QoQ	$-96.3M	$1.7B +0.4% YoY	$1.4B +10.3% YoY	$593.1M +10.2% YoY	55%
Loans	$827.0M +33.2% YoY+6.4% QoQ	$-407.3M	$1.2B +0.7% YoY	$958.9M +10.2% YoY	$418.6M +10.1% YoY	18%
Deposits	$1.2B +7.4% YoY+0.1% QoQ	$-267.3M	$1.5B +0.5% YoY	$1.2B +11.1% YoY	$504.8M +10.3% YoY	41%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.1% +14.2% YoY+51.6% QoQ	+0.3%	0.8% +27.6% YoY	2.5% +328.4% YoY	1.2% +121.4% YoY	79%
NIM	3.1% -3.9% YoY-2.0% QoQ	-0.3%	3.4% +6.6% YoY	3.4% +4.4% YoY	3.8% +2.3% YoY	27%
Efficiency Ratio	70.3% -0.3% YoY-10.3% QoQ	-2.8%	73.0% -2.7% YoY	79.7% -4.5% YoY	83.0% -5.3% YoY	36%
Delinquency Rate	0.2% -37.8% YoY+3.0% QoQ	-0.7	0.9% +7.3% YoY	0.7% -14.3% YoY	1.3% +2.6% YoY	Top 2.7% in tier
Loan To Share	69.1% +24.0% YoY+6.2% QoQ	-15.6%	84.7% +0.1% YoY	69.0% +0.5% YoY	66.4% -1.4% YoY	Bottom 14.0% in tier
AMR	$38,829 +15.1% YoY+2.2% QoQ	+$9K	$29,575 +1.5% YoY	$29,171 +2.5% YoY	$20,028 -0.9% YoY	Top 10.7% in tier
CD Concentration	12.6% -7.2% YoY-0.4% QoQ	-16.5%	29.1%	22.2%	20.0%	Bottom 3.7% in tier
Indirect Auto %	1.3% -24.4% YoY+2.6% QoQ	-16.8%	18.1%	9.2%	7.7%	19%

Signature Analysis

Strengths (5)

Relationship Depth Leader

growth

#7 of 69 • Top 4.8% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 15.06%

(Tier: 3.62%, National: 35.20%)

better than tier avg

Share Draft per Member: $4.3K

(Tier: $3.2K, National: $2.1K)

better than tier avg

69 of 377 Mid-Market CUs have this signature | 354 nationally

↑ Growing +9 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#18 of 125 • Top 4.8% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 15.06%

(Tier: 3.62%, National: 35.20%)

better than tier avg

125 of 377 Mid-Market CUs have this signature | 635 nationally

↑ Growing +22 CUs YoY | Rank worsening

Organic Growth Engine

growth

#64 of 113 • Top 57.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.36%

(Tier: 3.16%, National: 15.67%)

but worse than tier avg

Return on Assets: 1.14%

(Tier: 0.84%, National: 1.23%)

better than tier avg

Indirect Auto %: 1.33%

(Tier: 18.08%, National: 7.71%)

better than tier avg

113 of 377 Mid-Market CUs have this signature | 490 nationally

↓ Shrinking -131 CUs YoY | New qualifier

Emerging Performer

growth

#61 of 82 • Top 23.5% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.14%

(Tier: 0.84%, National: 1.23%)

better than tier avg

Member Growth (YoY): 1.36%

(Tier: 3.16%, National: 15.67%)

but worse than tier avg

82 of 377 Mid-Market CUs have this signature | 283 nationally

↑ Growing +14 CUs YoY | New qualifier

Organic Growth Leader

growth

#97 of 112 • Top 57.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.36%

(Tier: 3.16%, National: 15.67%)

but worse than tier avg

Indirect Auto %: 1.33%

(Tier: 18.08%, National: 7.71%)

better than tier avg

112 of 377 Mid-Market CUs have this signature | 485 nationally

↓ Shrinking -20 CUs YoY | New qualifier

Concerns (0)

No concerns identified

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 300 peers in tier

Top Strengths (11 metrics)

Loan Growth Rate

growth

Value: 33.19%

Peer Median: 5.71%

#6 of 300 Top 1.7% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.15%

Peer Median: 0.70%

#9 of 300 Top 2.7% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 12.56%

Peer Median: 28.24%

#13 of 300 Top 4.0% in 1B-3B tier

AMR Growth Rate

growth

Value: 15.06%

Peer Median: 3.19%

#15 of 300 Top 4.7% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.14%

Peer Median: 0.52%

#27 of 300 Top 8.7% in 1B-3B tier

Asset Growth Rate

growth

Value: 12.80%

Peer Median: 5.21%

#29 of 300 Top 9.3% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $38,829

Peer Median: $28,089

#32 of 300 Top 10.3% in 1B-3B tier

Net Worth Ratio

risk

Value: 13.63%

Peer Median: 10.91%

#51 of 300 Top 16.7% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,873

Peer Median: $12,809

#57 of 300 Top 18.7% in 1B-3B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 1.33%

Peer Median: 14.26%

#61 of 300 Top 20.0% in 1B-3B tier

Top Weaknesses (4 metrics)

277

First Mortgage Concentration (%)

balance_sheet

Value: 55.30%

Peer Median: 33.59%

#277 of 300 Bottom 8.0% in 1B-3B tier

273

Total Members

engagement

Value: 52,101

Peer Median: 86,516

#273 of 300 Bottom 9.3% in 1B-3B tier

258

Loan-to-Share Ratio

balance_sheet

Value: 69.14%

Peer Median: 87.07%

#258 of 300 Bottom 14.3% in 1B-3B tier

247

Total Loans

balance_sheet

Value: $826.98M

Peer Median: $1.14B

#247 of 300 Bottom 18.0% in 1B-3B tier